Cheapest Car Insurance Quotes In Houston, TX For 2024

In Houston, State Farm offers the most affordable choice, with an average monthly fee of $35.

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Updated: 03 May 2024
Written by
Bob Phillips
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When looking for affordable car insurance in Houston, State Farm stands out for its competitive prices. On average, Houston residents can get car insurance for about $35 per month with State Farm, which is significantly lower than the state’s average of $125.

For those looking for budget-friendly liability-only coverage, State Farm is the top choice. On the other hand, drivers seeking broader protection will find that State Farm offers the most cost-effective rates for full coverage policies, priced at $85 per month. State Farm also offers the lowest rates for young drivers, at $92 per month.

Cheapest Car Insurance Companies In Houston, TX

Cheapest Car Insurance, Houston, TX

Our Methodology

Through a thorough examination covering customer service ratings, product offerings, pricing, and an in-depth assessment of various online review platforms and user feedback, I have developed a profound insight into the car insurance provider scene in Houston, Texas. My understanding is rooted in over 15 years of active participation in the industry as a licensed insurance agent. It encompasses extensive engagements with representatives from various companies and insights gleaned from firsthand experiences.

65

Quotes Analyzed

15+

Years Of Industry Experience

22

Brands Reviewed

35+

Research Hours

How Much Is Car Insurance In Houston, TX?

In Houston, TX, State Farm offers car insurance starting at $148 per month, which is more expensive than the average rates in Texas and the United States. Here’s a comparison:

Area Average Monthly Rate
National $143
Texas $125
Houston, TX $148

It’s important to note that the national average cost of car insurance is influenced by a variety of factors. This average includes both high-cost states like New York, New Jersey, and California, as well as low-cost states like Mississippi, Kentucky, and Wyoming. Rates can vary significantly depending on factors such as the type of vehicle, the amount of coverage, the zip code, driving history, and other considerations.

Cheapest Car Insurance Rates In Houston For Teenagers

Young drivers in Houston can secure the most affordable insurance quotes from Nationwide, with average monthly premiums of $107.

Provider Average Monthly Cost Average Annual Cost
State Farm $129 $1,542
GEICO $163 $1,958
Nationwide $107 $1,291
Progressive $278 $3,340
Allstate $453 $5,438

Teenage drivers typically face the highest car insurance premiums because of their limited experience behind the wheel. Insurance companies view young drivers as high-risk because they statistically have a higher likelihood of being involved in accidents and committing traffic violations.

Cheapest Car Insurance Rates In Houston For Young Adults

In Houston, State Farm provides the most affordable quotes for young adults, with rates averaging around $92 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $92 $1,102
Nationwide $127 $1,522
Mercury $130 $1,558
Allstate $120 $1,438
Chubb $210 $2,518

In Texas, young adult drivers generally experience lower car insurance rates compared to teenagers. This pricing difference is attributed to the development of driving habits and a corresponding decrease in risk-taking behaviors as drivers mature.

Statistically, young adults are less likely to make insurance claims, indicating a decrease in their involvement in accidents. As a result, insurers lower premiums for this age group, recognizing their improved safety records and reduced likelihood of filing claims. This adjustment in pricing reflects the changing risk profile of drivers as they gain more experience on the road.

Cheapest Car Insurance Rates In Houston For Full Coverage

State Farm offers the most affordable car insurance rates for full coverage in Houston. On average, their quotes are $85 per month.

Provider Average Monthly Cost Average Annual Cost
Progressive $156 $1,870
GEICO $104 $1,246
Mercury $94 $1,126
Allstate $90 $1,078
State Farm $85 $1,020

Full coverage car insurance extends beyond the basic coverage required by law and usually includes comprehensive and collision coverages.

Comprehensive coverage safeguards against non-collision incidents like theft, vandalism, or natural disasters, while collision coverage handles vehicle damages from accidents, regardless of fault.

Cheapest Car Insurance Rates In Houston For Minimum Coverage

In Houston, State Farm offers the most affordable car insurance rates for minimum coverage, averaging around $35 per month.

Provider Average Monthly Cost Average Annual Cost
GEICO $56 $670
Mercury $40 $487
State Farm $35 $418
Allstate $38 $454
Texas Farm Bureau $40 $487

In Texas, a minimum car insurance policy should include:

  • $25,000 property damage liability per accident
  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident

While minimum car insurance provides some protection while driving, it does not include collision or comprehensive insurance. Therefore, damages to your own vehicle in accidents or incidents such as theft and natural disasters will not be covered.

Additionally, driving without insurance is illegal in Texas. Failing to show proof of insurance during a traffic stop can result in various penalties, including fines, license suspension, or more severe consequences.

Cheapest Car Insurance Rates In Houston For Seniors

Texas Farm Bureau offers the most affordable car insurance rates for seniors in Houston, with average quotes totaling $60 per month.

Provider Average Monthly Cost Average Annual Cost
Texas Farm Bureau $60 $718
GEICO $103 $1,234
State Farm $62 $742
Mercury $100 $1,198
Allstate $80 $958

In Texas, many seniors may qualify for favorable car insurance rates due to several beneficial factors. While age can influence insurance rate determinations, with older age sometimes linked to decreased driving ability, this stereotype doesn’t apply uniformly to all seniors.

Cheapest Car Insurance Rates In Houston For Good Drivers

In Houston, good drivers can secure the most affordable car insurance quotes from State Farm, averaging approximately $35 a month.

Provider Average Monthly Cost Average Annual Cost
GEICO $56 $670
Mercury $40 $487
State Farm $35 $418
Allstate $38 $454
Texas Farm Bureau $40 $487

Drivers in Houston with clean driving records typically receive lower car insurance rates because they are considered lower risk. Insurance companies assess driving records to determine a person’s driving safety. Fewer incidents, such as accidents or traffic violations, indicate that the driver is cautious and less likely to file a claim.

Insurers set their rates based on the likelihood of a driver making a claim. Therefore, a spotless driving record can lead to significant savings on premiums. It’s all about evaluating risk – the cleaner the record, the lower the perceived risk, and thus, the lower the insurance cost.

 

Cheapest Car Insurance Rates In Houston For Drivers With Prior Incidents

In Houston, drivers with records of traffic violations, such as accidents, speeding tickets, or DUIs, often struggle to find affordable car insurance. These infractions lead insurance companies to categorize them as high-risk drivers, expecting a greater likelihood of filing future insurance claims.

Consequently, insurance providers raise their rates for these individuals to compensate for the risk of potential higher claim payouts.

Cheapest Car Insurance Rates In Houston For Drivers With A Speeding Ticket

State Farm offers highly competitive rates compared to other companies, averaging around $68 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $68 $814
Mercury $138 $1,654
Geico $122 $1,462
Allstate $88 $1,054
Chubb $140 $1,703

Cheapest Car Insurance Rates In Houston For Drivers With An At-Fault Accident

State Farm provides the most budget-friendly car insurance quotes for drivers with an at-fault incident, averaging approximately $85 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $85 $1,018
Nationwide $160 $1,954
GEICO $148 $1,774
Progressive $175 $2,126
Texas Farm Bureau $100 $1,209

Cheapest Car Insurance Rates In Houston For Drivers After A DUI

For drivers with a DUI in Houston, State Farm offers the most budget-friendly rates, with average monthly premiums of $125.

Provider Average Monthly Cost Average Annual Cost
State Farm $125 $1,498
Chubb $262 $3,142
Progressive $175 $2,198
Geico $190 $2,278
Allstate $150 $1,798

Best Car Insurance Companies In Houston

When choosing a car insurance company in Houston, drivers need to strike a balance between affordable rates and reliable protection. Here are the top 10 car insurance companies in Houston, TX, ranked by the average monthly rate they offer:

Company Monthly Premium
Texas Farm Bureau $97
Clearcover $184
USAA $142
Direct Auto $134
Mercury $187
Kemper $147
SafeAuto $158
State Farm $116
Mercury $178
Nationwide $140

Average Car Insurance Rates By Age In Houston

Age Average Yearly Rate
Teenagers $4,020
20s $2,338
30s $1,582
40s $1,500
50s $1,416
60s $1,404
70s $1,608

Age is a significant factor in determining car insurance rates. Generally, younger drivers, such as teenagers and young adults, face higher insurance premiums due to their limited experience and statistically higher likelihood of accidents and traffic violations. However, as drivers reach the age of 25, their rates usually start to decrease, especially if they maintain a clean driving record.

The most favorable insurance rates are often offered to drivers in their 50s and early 60s. Insurance companies use age to assess driving experience and risk potential, which impacts the cost of premiums.

Average Car Insurance Rates By Vehicle Type In Houston

Vehicle Average Monthly Rate
GMC Acadia $76
Chevrolet Cruze $158
Chrysler Pt Cruiser $222
Nissan Sentra $834

The car you drive significantly affects how much you pay for car insurance. Insurance companies look at factors like the make, model, year, and body style of your car. Generally, newer cars, especially luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates.

On the other hand, older cars or those that are less expensive to repair or replace may have lower premiums. Insurers consider these factors because they impact how much a claim might cost. For example, repairs for a luxury car are usually more expensive than for a standard vehicle. Also, some car models known for safety may qualify for lower insurance rates because they’re less likely to be in accidents or cause injuries.

 

How Much Is Car Insurance For Other Cities In Texas?

City Average Monthly Rate
Killeen $116
Sherman $108
Beaumont $127
Arlington $130
Laredo $150
Abilene $105
Fort Worth $123
Baytown $140
El Paso $122
Alpine $118

The city where you live has a considerable impact on your car insurance rates. Insurance companies consider various factors related to your location, such as the likelihood of accidents, vehicle theft, and vandalism rates. These risks are typically higher in urban areas, which can lead to increased premiums.

FAQs

Who has the lowest car insurance rates in Houston?

State Farm provides the most competitive car insurance rates in Houston for both the minimum coverage required by the State of Texas and full coverage, which includes comprehensive and collision coverage.

What is the average cost of car insurance in Houston?

The average cost of car insurance in Houston is approximately $148 per month. However, rates can fluctuate based on factors such as your zip code, the year and model of your car, your driving record, and other relevant considerations.

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